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Elevate Mortgage

FHA Loan · Government‑backed, forgiving credit

FHA Loan: Government‑backed, low down payment, forgiving credit.

FHA loans are insured by the Federal Housing Administration and designed for borrowers with lower credit scores or limited down payments — purchases, cash-out, rate & term, and Streamline refinances on owner-occupied 1–4 unit homes.

  • 3.5% Down at 580+ — 500–579 credit is accepted with 10% down. see how it works →
  • FHA Cash-Out to 80% — Access your equity with credit guidelines more forgiving than conventional.
  • FHA Streamline — Minimal docs, no appraisal, all credit considered — even on a former home you now rent out.
  • Rental Units Help You Qualify — Buy a 2–4 unit home, live in one unit, and let the other units’ rent count toward qualifying.

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

Is this for your primary residence?

Purchases & cash-out need owner occupancy — an FHA Streamline works on a former primary you now rent out

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Credit considered from
500
Max cash-out LTV
80%
Refinance option
Streamline
Owner-occupied
1–4 units

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Run the Numbers

Run your FHA numbers.

Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.

FHA Loan Calculator

Low down payment, flexible credit. Estimate an FHA purchase or cash-out refinance.

What are you doing?
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Your FHA loan

New base loan (80% LTV max)$360,000
Upfront MIP (1.75%, financed)$6,300
Total loan amount$366,300
Loan-to-value81.4%
Est. net cash-out to you$99,200

FHA cash-out: 80% LTV max, owner-occupied, no late payments in the last 12 months.

What your cash-out can do

  • Pay off credit cards & auto loans — one payment
  • Fund the next property’s down payment
  • Renovations that add value
  • Cash reserves for what’s next

Opens the 60-second options check with your numbers filled in — no hard credit pull.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Know Before You Apply

Can we fund your deal? Check before you apply.

The FHA Loan guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

FHA Loan requirements

What you need

  • Minimum Credit Score: 580 (3.5% down) / 500 (10% down)
  • Cash-Out Max LTV: 80%
  • Mortgage Insurance: 1.75% upfront + annual MIP
  • Payment History: No late payments in the last 12 months
  • Property Type: Owner-occupied 1–4 units (Streamline: former primary OK)
  • Where we lend: Available for primary residences in 30 states — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “Anthony was extremely helpful and responsive. He quickly found out what we needed and made it happen. Excellent service!”
    Jesse W · Pullman, WA · Aug 2026Verified client review

  • 5 out of 5 stars

    “The process from start to finish was seamless. Though I had all the required documentation and qualifications, but Anthony was always communicating next steps.”
    Charles A · Philadelphia, PA · Aug 2026Verified client review

  • 5 out of 5 stars

    “Immediate assist with loan process, willing to help to close out the deal ASAP”
    Cuong L · Philadelphia, PA · May 2026Verified client review

FAQ

Frequently Asked Questions

Common questions about the FHA Loan.

What’s the minimum credit score for an FHA loan?

580 for the minimum 3.5% down payment; scores from 500 to 579 are accepted with 10% down. FHA also looks for no late payments in the last 12 months. We’ll confirm where your file lands.

How does FHA mortgage insurance (MIP) work?

FHA loans carry a 1.75% upfront mortgage insurance premium (which can be financed into the loan) plus an annual premium paid monthly — about 0.50–0.55% on most loans, higher on large balances. Depending on your down payment, MIP may remain for the life of the loan; refinancing into a conventional loan later is the most common way to remove it.

Can I use an FHA loan to buy an investment property?

No. FHA loans are for primary residences only. However, you can purchase a 2-4 unit property with an FHA loan if you live in one of the units — rental income from the other units may help you qualify.

Can gift funds cover my down payment?

Yes. Your entire FHA down payment can come from gift funds from family or other approved sources, which makes FHA a popular first-time buyer path.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

Ready to explore FHA Loan?

Answer a few quick questions and get a personalized strategy recommendation — including whether FHA is right for your situation. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

FHA-approved lender. Not affiliated with or acting on behalf of HUD/FHA.

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.